Cookies on Knowhow Nonprofit

We use cookies in order for parts of NCVO Knowhow to work properly, and also to collect information about how you use the site. We use this information to improve the site and tailor our services to you. For more, see our page on privacy and data protection.

Insurance and volunteers

If your organisation or group involves volunteers, you should consider the types of insurance cover needed to protect them and your organisation.

If you work with volunteers, you should consider the types of insurance cover needed to protect them and your organisation.

Types of volunteers insurance

Public liability or employers’ liability insurance – this provides cover for the organisation if a volunteer is harmed due to the organisation’s negligence

Public liability insurance – this covers the organisation and the volunteer if a third-party is injured through the volunteer’s actions.

Professional negligence insurance - if your organisation delivers services such as advice, specifications, training or design work for a fee, this provides cover for cases of physical injury or financial loss claimed by your clients as a result of these services. This cover only applies to employees, so if volunteers provide services on behalf of your organisation you will need to speak to your insurer to make sure appropriate cover is in place for insuring volunteers.

Further information

NCVO’s Trusted Supplier Zurich Insurance has various guides for charities to explore what types of insurance might be relevant to them. Included is a document answering 10 questions to make buying insurance simple, covering considering when your organisation needs public liability insurance, what cover you need to think about if you have employees, insurance for your vehicles and protection for your trustees.